Purchase Originations
397
Median Total Costs
$9,388
+40.5% vs national ($6,680)
↓ $1,354 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$5,598
Median Lender Credits
$1,168
Denial Rate
0.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 276 | 6.500% | $7,917 | $5,530 |
| fha | 100 | 6.125% | $15,369 | $6,239 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Utah | 382 | 6.375% | $9,446 | #16 |
| Idaho | 6 | 6.375% | $9,662 | — |
| Colorado | 4 | 6.750% | $7,632 | — |
| California | 2 | 6.688% | $10,777 | — |
| Arizona | 1 | 7.375% | $6,757 | — |
| New Mexico | 1 | 6.000% | $7,830 | — |
| Texas | 1 | 6.375% | $14,069 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,320 | 6.183% | — | 4 | −$3,068 | |
| 2 | $6,753 | 6.000% | — | 5 | −$2,635 | |
| 3 | $6,757 | 7.375% | — | 1 | −$2,631 | |
| 4 | $7,164 | 6.625% | — | 3 | −$2,224 | |
| 5 | $7,201 | 6.250% | — | 7 | −$2,187 | |
| 6 | $7,883 | 6.375% | — | 1 | −$1,505 | |
| 7 | $8,207 | 6.375% | — | 1 | −$1,181 | |
| 8 | $8,478 | 6.312% | — | 4 | −$910 | |
| 9 | $8,744 | 6.562% | — | 2 | −$644 | |
| 10 | $8,985 | 6.624% | — | 12 | −$403 | |
| 11 | $9,086 | 6.375% | — | 208 | −$302 | |
| 12 | $9,918 | 6.495% | — | 20 | +$530 | |
| 13 | $10,305 | 6.490% | — | 69 | +$917 | |
| 14 | $10,965 | 6.495% | — | 14 | +$1,577 | |
| 15 | $11,358 | 6.562% | — | 2 | +$1,970 | |
| 16 | $11,420 | 6.125% | — | 3 | +$2,032 | |
| 17 | $12,041 | 6.625% | — | 9 | +$2,653 | |
| 18 | $13,983 | 6.250% | — | 15 | +$4,595 | |
| 19 | $13,992 | 5.875% | — | 2 | +$4,604 | |
| 20 | $15,302 | 6.000% | — | 2 | +$5,914 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Security Home Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $9,388 | $7,127 | +$2,261 (+31.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.